Best medical insurance for visitors to USA from India

Compare and buy travel insurance

Age & Citizenship
Start date
End date

Indians Travel Insurance

Why do you need travel insurance for USA from India?

Travel insurance for the USA from India is essential due to the high medical costs in the USA. A visit to the emergency room, hospitalization, or a simple doctor's appointment can be extremely expensive without insurance. India to US travel insurance offers financial protection by offering comprehensive coverage for medical emergencies while ensuring Indian travelers to be prepared for various unforeseen events during their travel.

Which travel insurance is best for USA from India?

Comprehensive plans

Patriot America Plus: Available for Non US citizens travelling to the USA. Green card holders who live outside the US can purchase this plan.
View more plans »
Fixed benefit plans
Safe Travels Elite:
Available for non U.S. residents and non U.S. citizens, traveling including the USA. Covers up to $25,000 for cardiac issue or stroke up to 69 years and $15,000 for people age 70 to 89 years.
View more plans »

Does Indian travel insurance work in the USA?

While there are different Indian travel insurance plans for the USA, very often US hospitals or healthcare facilities do not recognize international insurance plans and will insist of paying for the healthcare treatment and getting the bill reimbursed from the insurance provider. Getting reimbursed from the Indian insurance provider can be bureaucratic and take a lot of time and effort. To add to this, very often the reimbursed will be made only in India to an Indian bank account. This can be difficult since the payment has to be made in the United States.

Travel insurance to USA from India

Best travel insurance from India to USA

Namaste ! The 5 million strong Indo-American community while only 1.5% of the US population has a hugely significant impact on India-US. The Indian diaspora in the US plays a major role in Academia, Business, Hotels, Software, Fashion, Research and even politics. Many Indian Americans lead fortune 500 companies and as well as have many startups employing millions. This community is financially very strong and travels between India and the US often as well as have family members visit from India.

travel insurance for US

The number of Indians traveling to the US is however expected to increase significantly from 2024 onwards as US authorities are streamlining the process of issuing visas, along with establishing new consulates in India. It is hence easily understandable that the Indiaspora buy the best travel insurance for US from India.

The United States is a popular destination for many international visitors for different reasons. The Five million strong Indian-American community attracts a large number of visiting family members from India. Elderly Indian parents journey to the US to reunite with children and extended families, while others visit for work-related purposes or to enjoy their vacations.

Tourists, students, professionals, and relatives of Indians residing in the US also make this journey. The Indian diaspora (Indiaspora), despite being only 1.5% of the US population has an outsize impact on India-US ties being well-educated and with a large disposable income while maintaining close ties with India. As a result, Indian-Americans often buy the best health insurance for their parents visiting USA.

The US government earlier mandated travel insurance for Indian visitors and prospective immigrants. Although this rule is under scrutiny in US courts, reports suggest that US consulates require Indian applicants for immigrant visas to have valid US health insurance.

Customers also indicate that proof of health insurance is necessary for various visa categories. Our travel insurance for the USA from India caters to both visitors and immigrants, serving as evidence of sufficient health insurance coverage in the USA. Considering the expensive nature of high cost of US health care along with the fact that most parents traveling from India are elderly, face a lengthy journey, and will be in unfamiliar weather conditions, it is crucial to ensure they have the best visitors' travel insurance for the USA from India.

Purchasing the best medical insurance for visitors to USA from India from India is advisable over travel insurance from India because US hospitals are more accustomed to dealing with US insurance providers, making direct billing simpler. Moreover, possessing US travel insurance that is compatible with US PPO networks can significantly decrease hospital bills.

Additionally, there are older travelers plans that are better tailored for senior citizens. Among these are US medical insurance for pre-existing conditions for US visitors from India. Indian travelers can compare visitor health insurance plans for the USA on American Visitor Insurance. We provide a list of the best travel insurance options for the USA from India, taking into account the cost and coverage benefits to meet your specific needs, thus enabling you to purchase the most suitable health insurance for your visit to the USA from India.

Travel insurance for Indians »

Advantage of US visitors insurance over Indian travel insurance

  1. Lower medical costs due to PPO network with US hospitals.
  2. Local customer support for claims and during hospitalization.
  3. Direct billing easier and widely accepted by US healthcare facilities.
  4. More comprehensive visitors insurance options for all age groups.
  5. Pre-existing condition travel insurance for Indian parents visiting usa available.

Purchasing US travel insurance provides coverage that is custom designed for the US healthcare system. Local US healthcare knowledge and network ties are hugely beneficial while navigating the US healthcare landscape. An US-based medical insurance for visitors to usa from India integrates seamlessly with local healthcare providers and will be advantageous for your expenses. Most US travel insurance plans have a network of healthcare providers (PPO network) within the US. This network facilitates a significantly lower billing for hospitalization costs as well as manage the direct billing arrangements and provides easier access to medical services.

It is much easier dealing with a US-based insurance provider as they offer the advantage of easier communication due to language and time zone proximity. US-based travel medical insurance for usa from India providers have a better understanding of US laws and regulations governing insurance simplifying the claims processes. US travel insurance plans provide comprehensive global assistance services, 24/7 support including emergency medical evacuation. Visitor health insurance from US providers also offer specialized coverage that cater to specific needs of Indian travelers, such as coverage for pre-existing medical conditions or for extending the trip and renewal of an existing policy.

What does visitors medical insurance cover?

Health care expenses
Covers hospital expenses for sickness or accidents.

Doctor visit
Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs
Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions
Some plans insure acute onset of pre-existing conditions.

Medical evacuation
Medical evacuation expenses to nearest facility included.

Repat of remains
Repatriation of remains to home country included.

Travel insurance for USA from India cost

The cost of best travel insurance for USA from India depends on the age of the traveler, medical maximum coverage and deductible for the plan, type of US health insurance for India (Fixed vs comprehensive travel insurance) and the cost of travel insurance for pre-existing conditions for the average traveler, there are cheap travel insurance plans at less than a dollar a day. The cost of India to USA travel insurance for visitors can start from as low as $15 per month and can go up to $200 per month. Understandably, the more expensive the travel insurance, the better and more comprehensive will be the travel insurance coverage. Compare and buy the best US visitor health insurance from India on American Visitor Insurance.

What is the best travel insurance for USA 2024?

US medical insurance cost in 2024 for visitors has increasingly reduced the disposal income with a major portion of the income going to health care deductibles, co-payments and co-insurance. The cost of a routine physician's visit is significantly higher in the U.S., where it might be $176. An echocardiogram can cost around $1,000 in Massachusetts and around $3000 in New Jersey depending on the provider. The cost of common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $2,500 -$5000. Stroke resulting in ICU for about 10 days would cost $120,000, Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20,000, The average treatment cost of acute kidney failure in the USA was over $22,000.

While there's no simple explanation for the high costs, an important contributing factor is the significant administrative expenses in healthcare and given the litigious nature of US society, the cost of medical-malpractice legal expenses. Employing numerous billing clerks by both hospitals and physicians, as well as by private insurance companies is a requirement in the US insurance system. In addition to that, the system's reliance on advanced technology, costly labor and the steep price of malpractice insurance in the US also contributes to the overall expenses.

While there are several reasons for high healthcare costs, the fact remains that one cannot afford to be uninsured while visiting the US. In US hospitals the cost for any treatment is much lower if you have insurance and the hospital is part of the PPO network when compared to getting the same treatment without any insurance. This is beyond the actual insurance coverage itself, so simply having visitors insurance reduces the bill substantially. This high price without insurance is unimaginable for visitors to pay out of their pocket. It is important for visitors to realize the importance of health insurance while visiting the US.

US travel insurance for Indian visitors

This US travel insurance for Indians information can guide Indian travelers in understanding the processes and terms as well as the financial support that it offers.

1. Common US Healthcare travel insurance terms

Deductible is the amount that insured Indian tourists need to pay for coverage before the travel insurance actually starts to pay for the healthcare services. The Deductible has to be paid along with the co-pay or coinsurance. Indians visitors need to pay the medical fees up to the amount of deductible and along with coinsurance and co-pay.

For example if the deductible amount is $500 then the travelers need to pay up to $500, it is only after this amount is paid that the insurance plan stays paying. The Deductible is introduced to prevent frivolous claims.

Coinsurance is similar to co-pay in domestic US health insurance. Here the insured needs to pay a percentage of the total cost of the medical fee instead of paying a fixed amount. If you have 10% of coinsurance that the insured will have to pay 10% of the total cost of the bill .Co-insurance is paid on top of the Deductible. Typical Co-insurance ranges from 10% to 20%. The higher the co-insurance, the lower will be the cost of travel insurance.

Travelers from India can review the insurance glossary for travel to the USA to understand other terms and also check our US travel insurance guide for easy understanding.

Riders – Riders are additional benefits that a traveler can purchase within the insurance policy. These are benefits that are usually not covered under the standard insurance policy. Depending on the need of the traveler, customers can add rider benefits at an additional cost while buying the policy.

Copay or copayment is the fixed amount that the insured will have to pay for the medical service availed. The amounts would usually differ depending on the service availed.

Network and Out of Network - In US most hospitals have PPO networks. In the PPO network there are selected doctors and hospitals that have a working agreement with the insurance providers who charge the insurance provider directly and work out cheaper for Indian travelers. If the insurance provider is in the network they will provide a list of in network facilities so that the insured finds it easy to use the provider who can offer services.

Out of network insurance is literally when the customer goes to a healthcare facility outside of the covered network provider. In this situation, the insured will have to pay for the treatment themselves and then file a claim, this process might be confusing and sometimes out of network doctors and hospitals are more expensive and may even not be covered.

2. Visitor insurance with pre-existing conditions coverage

Pre-existing condition is a medical ailment that existed before the start of the travel insurance cover. Acute onset of a pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours.

Travelers from India with pre-existing conditions always find it hard to buy travel health insurance. There are various conditions that are considered as pre-existing diseases but some of common ailments in this category are Asthma, heart related issues, high blood pressure, kidney disease, cancer, diabetes etc. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. Indian Travelers can buy a travel insurance policy without a medical check, however most insurance providers only provide coverage for acute onset of pre-existing conditions. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim. Most insurance providers offer travel insurance for acute onset of pre-existing conditions with fixed or limited coverage

If any of the Indian visitors has one of these conditions it’s very important for them to buy a policy that includes the illnesses in the coverage and to be aware of the terms of pre-existing condition coverage.

3. Affordable visitor insurance for US visitors from India above 70 years of age

Senior Citizens who are 70 years of age are vulnerable to illness and are at high risk for travel sickness and injuries. While most insurance providers refuse or severely reduce coverage for travelers who are 70 years, there are a US insurance providers who insure older traveler’s. IMG in their Patriot America Plus Insurance offers coverage for up to $50K - $1M and World Trips in their Atlas America Insurance offers $50K - $2M coverage.

4. Pre-approvals for medical treatment and Hospital Visits

Pre-approval commonly known as pre-authorization is a sanction provided by the insurance provider to obtain the medical treatment and hospital visits. The healthcare service workers like network providers, hospitals or doctor’s offices often choose to inform the insurance provider and get a pre-approval. In a case where the insured is using an out-network provider the insured will need to notify the insurance provider to get pre approval or pay and then apply for a reimbursement.

In situations like an admission at the hospital for overnight stay, Major Surgery, Prescription of expensive drugs, Medical appointment to a behavioural, physical, speech or occupational therapist for treatment all of this would typically require pre-approvals from the insurance provider.

5. Renewability and Deductible in an extended /renewed Travel insurance

Not all travel insurance plans are renewable, so check on the renewability of the travel insurance plan. Most travel insurance plans can be extended based on the traveler’s requirement. When the policy is extended, the deductible is usually reset.

6. Multi-trip travel insurance

Regular or frequent travelers visiting the US can buy the annual multi-trip travel insurance plan. Here the traveler is insured for a whole year from the start of the plan, but each trip is limited to a certain length of stay outside the home country and are required to have a domestic health insurance.

Extending the visitor visa for Indians while in the US

Even though the Covid pandemic seems to be over, many Indian visitors on a temporary tourist visa are forced to extend their stay in the US for different reasons. These travelers have to extend or renew their visa status in order to stay longer in the US. The following is the procedure to extend the US short term visa:

  • The visitor should complete the I-539 form for extension of a Non-Immigrant Visa.
  • Indians should submit a letter stating the reason with detailed explanation for extension.
  • Visitors should submit a copy of form I-94 that that he/she received on entry into the US.
  • Visitors should provide documentary evidence that the extended stay is temporary along with the booked return tickets.
  • Indians provide proof that the stay is completely taken care and he/she are financially covered and will not be a public charge in the United States.
  • Visitors should confirm that if the applicant has received any state benefits after 11-Feburary-2020; they need to be supported with proof of documents separately. The applicant should not have accessed any monetary state benefits or supplementary income from state post this period.

Pay the required renewal fees

Pay $370 filling fees +$85 for biometric fees depending on the petition at the USCIS.

Visa extension processing

The USCIS will issue a receipt with 13-digit case number on submission of the extension application. The Indian visitor should provide this case number to check the status of the application and its processing times (customer service number helpline number is: 1-800-375-5283).

Student insurance for Indian students in the US

There are over One hundred and eighty thousand Indian students currently in the United States. Most of the Indian students come for a graduate program with only about 10% of the students being Undergraduate students.

There are about 30% of Indian students who are currently in the Optional Practical Training (OPT) status. India is the second largest source of the international students to the US after China. Most of the Indian students focus on Science, Technology, Engineering, Math (STEM) programs. Business degrees are also highly regarded by Indian students.

Indian students in the US should ensure that they have proper student medical insurance. While most Universities offer student insurance, these university insurance plans are quite expensive. We offer more affordable student health insurance plan for OPT Indian student with comparable coverage.

Indian students can also buy the OPT student insurance options that we provide which are very affordable compared to University options.

Compare quotes »

H1B visa health insurance for Indian professionals in USA

A large number of Indian computer engineers and software developers work in the United States on the H1B visa. The United States of America being the global leader in research, science and technology attracts Information Technology talent from around the world and in particular from India given India’s large technically savvy labor force.

As a result, every year thousands of Indian techies migrate to the US for employment and to start a new chapter of their life. The US is also a magnet for entrepreneurs who are willing to innovate and work hard to translate ideas into products and services and to create new companies for the same.

Most of these skilled professionals come to the US on the H-1B visas. More than half of all Indian immigrants to the US finally secure their Green Cards through employment. While the Trump administration had made it difficult to get a new H1B visa or to renew existing H1B visas, the Biden administration is easing on those restrictions. Given all these changes going on with the visa process Indians who are planning to immigrate to the US should anticipate uncertainties and be well prepared for them.

One of the additional stresses that H1B visa holders face is that of their healthcare. US healthcare while excellent is also very expensive. It is in this context that it is very important for Indian H1B visa holders to buy good health insurance in the US, especially so given the Covid pandemic. At American Visitor Insurance, H1B visa holders can compare several top US insurance companies offering short term health insurance which works ideally for H1B visa holders.

These short term H1B visa health insurance plans are flexible in that they can be purchased only for the duration of one’s requirements. If the H1B visa holder gets domestic US health insurance through his employer, he can discontinue the temporary health insurance purchased here. Indian technology professionals can compare different H1B visa insurance options and buy the plan that works best for their budget and specific needs.

Compare quotes »

Travel health insurance for Indian parents visiting USA

India and the US has been witnessing a stronger political, economic and cultural connection in the 21st century. This has involved in a large number of Indians traveling to the US on work thanks to India’s dynamic technology sector and many outsourcing companies. Many of these Indians have now settled in the US and today the Indian American population in the US is 4 million strong.

This large Indian American community retains strong ties with family members in India and it is natural to have parents and relatives travel to the US to meet their children. Traveling to the USA is naturally exciting for parents are seeing their children and grandchildren. However despite much planning, travel may not turn out to be as comfortable as planned.

During travel older travelers will be exposed to strenuous long hours of travel, change in weather conditions and food which eventually may lead to a medical emergency. Given the pandemic, even though the worst seems to be behind us, Covid is still causing health problems, especially for senior citizens. It is therefore very important for Indian parents to take full precautions while traveling to the US. Due to the older age of parents, health and stress-free travel is crucial.

To avoid any such emergencies buying good US parents travel insurance is necessary as this will cover them for unforeseen medical situations that can leave them with a financial loss and nightmare in the US.

Compare quotes »

Best visitors insurance for parents from India with pre existing conditions

Indian Travel health insurance USA

Explain the difference between travel insurance full coverage for pre-existing conditions and visitors insurance for acute onset of pre-existing conditions

Most of the US visitors insurance plans for parents provide coverage for "Acute Onset of Pre-Existing Conditions". Travel health insurance for USA basically provides coverage in the event of an existing medical ailment becoming life threatening and needing emergency medical care. Indian Travel insurance USA coverage will usually have exclusions for coverage of gradual or slow worsening of the existing ailment.

INF is one of the few companies which offers USA travel insurance plans for parents from India with full coverage for pre-existing ailments. INF visitors insurance for parents with pre-existing conditions offers coverage for any in-patient, out-patient, urgent care, specialist, doctor visits, anything related to pre-existing conditions.

The INF plans treat the pre-existing conditions like any new sicknesses. Prescription Medications are also covered when prescribed for a recent medical incident caused by a pre-existing condition. However, maintenance medications like Lipitor are not covered under this plan. This also means INF will not have exclusions that are typical in 'acute onset of pre-existing conditions'. Some of the common pre-existing condition exclusions are:

  • A limit on the coverage for certain adverse medical events like a myocardial infraction, heart attack or other Cardiac events.
  • A limit on the number of occurrences within the insured period.
  • Explicit exclusions for certain ailments like Urinary Tract infections, Kidney infections or Bladder infections.

This also explains why 'Full pre-existing conditions coverage' is more expensive than coverage only for 'acute onset of pre-existing conditions'. However, please note the INF does not support medical tourism, where patients buy this insurance simply to get medical treatment for an existing ailment.

Why are INF Full travel insurance pre existing conditions plans more expensive than other travel insurance covering pre existing conditions?

The Full pre-existing conditions coverage plans treat any issue related to a pre-existing condition like a New Accident and Sickness, subject to the policy maximum and deductible limits. This explains why 'Full pre-existing conditions visitor insurance coverage' plans are more expensive than coverage only for 'acute onset of pre-existing conditions'

Does INF travel insurance really offer coverage for all pre-existing conditions for parents from India?

In short the answer is Yes. INF insurance will cover any pre-existing conditions ranging from blood pressure, diabetes, kidney complications and arthritis. All of these issues are all covered by the INF Premier & INF Elite best parents travel insurance for pre existing conditions.

Different types of US Visitors travel insurance

Fixed Benefit travel insurance

A fixed benefit or scheduled benefits travel insurance plan is the cheapest US travel insurance plan, however this is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit international travel medical insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit international travel medical insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.

Single Trip Travel Insurance

Compare and buy best US Single trip insurance for travel within the US and overseas

Know more »

Single Trip vs MultiTrip Travel Insurance

Compare Single trip vs multi trip insurance plans offered by US insurers.

Know more »

Steps to buy
US visitor travel insurance online

 1: Finding the best health insurance for foreigners

Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.

 2: Compare the different travel insurance options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

 3: Buy the US travel health insurance that you like best

Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.

 4: Review insurance plan documents received by email

Review the international travel health insurance policy for coverage details and relevant contact numbers

us visitors insurance online

Factors to buy best travel medical insurance USA

Age of the traveler

The cost of medical insurance for travelers is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of US travel health insurance

Comprehensive insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.

Medical maximum coverage

The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Travel insurance depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.

Duration of travel insurance

The cost of trip insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.

Any add on benefits

Additional add-on benefits to the basic insurance for tourist plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.

Factors for best travel insurance for visitors to USA from India

  1. Pre-existing condition coverage, especially for older travelers.
  2. Cancellation options if they return early.
  3. Renewable, if the stay is extended.
  4. Fixed vs comprehensive plans as price varies hugely.
  5. Deductible and Coinsurance in visitor insurance
  6. Network of hospitals and doctors
Medical insurance indian visitors to USA

Find best US travel insurance from India

Which is best travel health insurance India to USA? Which insurance is best for visitors from India to USA?

There many India to US travel insurance available for Indians from top reputed insurance providers. Based on the travelers coverage requirements there are two types of plans, fixed benefit and comprehensive visitors insurance.

Fixed benefit insurance are cheaper and offer limited coverage while comprehensive plans are expensive and offer exhaustive coverage. The best health insurance for visitors to USA are Patriot America Plus by International Medical Group, Atlas America from WorldTrips, Safe Travels USA Comprehensive from Trawick International, Travel Medical Choice plan from Seven Corners, INF Safe traveler USA plans from INF all of which have excellent coverage.

Indian Americans and the need for visitors insurance

Visitors health insurance for USA offered here are customized to the needs of international tourists visiting USA and Canada and work very well for parents visiting from India. Travelers can buy the best travel insurance online for USA from India for their specific needs based on the cost, different coverage benefits and deductible options.

Tourist Visa Documentation

  1. A valid passport.
  2. One passport sized photo ( color and not older than 6 months).
  3. Form DS-160: Confirmation page with CEAC bar code.
  4. Receipt of Visa Fee.
  5. Documents to show purpose of visit and non immigrant intent.
  6. Documents to show sponsorship (if sponsored) or self sponsored applicants can show evidence of financial resources through property, employment or profession.

US Tourist Visa Fees

Types of Visa: B, C-1, D, F, I, J, M, TN/TD,T & U
Fee: $160.00

Types of Visa: H, L, O, P, Q & R
Fees: $190.00

Note: The visa fees paid is non refundable even if your application is rejected.

List of some prominent visa types and their nature

Nature of Visit Required Visa Type
Foreign government officials and diplomats A
Military personnel stationed in the U.S. A-2
Athletes competing for prize money, business visitors, domestic employees B-1
Patients and Tourists B-2
Transit in the USA C
Cabin Crew on US-bound aircraft C-1/D
Highly specialized professionals with specific industry knowledge H1-B
Temporary workers for non-agricultural professions H2-B
Information media representatives and journalists I
Exchange visitors J
Vocational students M-1
Entertainers, artists, and athletesP

USA visa health insurance, Visitor visa health insurance USA

Tips for Indians booking air tickets

  • Keep flight connections to a minimum: If there are 3 to 4 flight connections involved, it can be stressful for parents. The connection time should be less than 3 hours because waiting for longer hours in the airport can strain elders in the absence of airline accommodation.
  • Try to use a single airline: In a bigger airport, different airlines can operate from different terminals. Reaching terminals of different airlines inolves longer distances and parents may have to use trains, buses, walking, escalators, elevators... within the airport
Domestic and International Air ticketing
  • Customs and Immigration: While booking the air ticket make sure that the immigration and customs formalities happen in the final destination. Children can assist parents at the airport in case of problems in immigration or customs.
  • Where to book air tickets: Use experienced travel agents in India who book air tickets to America who are familiar with the needs of seniors.

Travel insurance India - FAQ's

1. Why is travel insurance for USA so expensive?

There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs.

One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

2. Is travel medical insurance required for US tourist visa? Is travel insurance mandatory for India to USA?

As of now, travel insurance is not mandatory for visitors from India to the USA. However, it is strongly recommended to have travel insurance when traveling to the USA, as healthcare costs are high, and any medical emergency or unexpected event can result in significant financial losses.

3. Can a visitor get health insurance in USA?

Yes, visitors can get short term travel health insurance in USA. Reputed US insurance providers have designed travel health insurance products specifically for visitors and tourists in the USA. We provide a compare travel insurance to USA facility that allows travelers compare travel insurance India to USA options based on price as well as coverage benefits.

Travelers can find the best US travel insurance from India to USA based on their specific needs.

4. What are the reasons to choose our services for travel insurance from India to the USA?

American Visitor Insurance is a US based travel insurance provider offering a range of US visitors insurance plans for visitors to the USA from India. Here are some reasons why you may choose American Visitor Insurance for your travel insurance needs:

  1. Wider range of plans: American Visitor Insurance offers the widest range of plans to choose, so travelers can find a plan that suits your specific needs and budget. The plans cover a range of benefits, including medical expenses and emergency medical evacuation.
  2. Easy to purchase: Customers can buy a travel insurance policy online on the American Visitor Insurance with ease. Our online application process is user-friendly and straightforward, and you can purchase a policy in just a few minutes.
  3. Customer service: Provides excellent customer service and support with licensed travel insurance agents 7 days a week. The licensed and experienced representatives are available to assist you with any questions or concerns you may have.
  4. Best pricing: Travelers will not be able to buy a travel insurance plan offered on American Visitor Insurance at a lower price anywhere.

5. How much medical insurance do I need while traveling?

Depending on the plan you choose, coverage for travel insurance can range from $25K to $8 million. Medical expenses in the USA are notoriously high, making it difficult to estimate the exact amount of coverage required. Our agents can advise you on the most suitable plan based on factors such as the nature of your treatment, age, and duration of your trip. For a brief visit with no pre-existing conditions, a policy with coverage of $50K may suffice. However, in the event of hospitalization due to a severe medical condition, a policy with higher coverage limits may be necessary.

6. Does Indian health insurance work in USA, or do I need US visitors insurance?

In most cases, Indian domestic health insurance policies do not provide coverage in the USA as Indian health insurance policies are designed to provide coverage within India. For traveling to the USA, you will need to buy travel medical insurance that provides coverage outside India specifically for your trip to the USA. It is essential to ensure that your travel insurance provides adequate coverage for medical emergencies, accidents, and other unexpected events that may occur while you are in the USA. Customers can compare and buy US visitors health insurance online on American Visitor Insurance.

7. What type of travel insurance for Indian parents visiting usa should I buy?

When traveling to the US, there are different types of travel medical insurance for usa from India to consider, depending on your specific needs. US insurance providers on American Visitor Insurance offer different travel insurance options for different visas, such as tourism, business, employment, study, and family reunification. When traveling to the US on any of these visas, buying the best medical insurance for visitors to usa from India is strongly recommended given the high cost of US healthcare.

Some visa types like the J1 visa require the visa holder to have mandatory health insurance. It's important to ensure that the chosen insurance plan complies with any visa-specific requirements and provides adequate healthcare coverage for all medical expenses during your stay. Keep in mind that U.S. immigration policies may change, so it is important to check the latest information on the official US government website when applying for a U.S. visa.

8. Will insurance for parents visiting usa from India cover everything?

Travel insurance for parents visiting usa from India vary widely, and while they provide coverage for many situations. It is therefore important to compare plans on American Visitor Insurance to understand what the travel insurance plan covers. Travel insurance to usa from India typically include a set of benefits, exclusions, and limitations, and it's essential to carefully read the policy terms and conditions to understand what is covered and what is not.

Common Inclusions in travel insurance from India to usa for senior citizens:

  • Medical Expenses: Coverage for medical expenses incurred due to illness or injury during the trip.
  • Travel Delay: Reimbursement for additional expenses incurred due to travel delays.
  • Lost or Delayed Baggage: Coverage for lost, stolen, or delayed baggage and personal belongings.
  • Emergency Evacuation: Coverage for the cost of emergency evacuation to the nearest adequate medical facility.

Common Exclusions in the best medical insurance for visitors to usa from India:

  • High-Risk Activities: Some policies may not cover injuries or incidents related to high-risk activities such as extreme sports or certain adventure activities.
  • War and Terrorism: Acts of war or terrorism may be excluded from coverage in some policies.
  • Intentional Acts: Injuries or damages resulting from intentional or reckless behavior may not be covered.
  • Losses Due to Alcohol or Drug Use: Incidents related to the use of alcohol or illegal drugs may not be covered.

9. When to buy best medical insurance for parents visiting usa from India?

The best time to buy US visitor insurance for parents from India is as soon as you confirm your travel details. Buying travel insurance for usa from India depends on factors, including the type of coverage you need, the nature of your trip, and the specific terms of the insurance policy.

Buying visitors travel insurance early, shortly after booking your trip, is strongly advisable. This ensures that you have coverage for unforeseen events that might occur before your departure. Some policies have waiting periods or exclusions for pre-existing conditions, and coverage is often more comprehensive when purchased early.

What is not covered in USA travel insurance?

  • Pre-existing Medical Conditions: This is a major exclusion. Most travel insurance plans won't cover medical expenses related to conditions you had before purchasing the plan.
  • Trip Cancellation for Known Reasons: If you cancel your trip for a reason you already knew about beforehand (e.g., a pre-existing medical condition), the policy won't reimburse your trip costs.
  • High-Risk Activities: Injuries or accidents sustained during extreme sports like skydiving or bungee jumping typically aren't covered.
  • War and Civil Unrest: Losses or injuries due to war, terrorism, or civil unrest are usually excluded.
  • Routine Medical Care: Travel insurance isn't a substitute for regular health insurance. It generally doesn't cover routine checkups, preventive care, or pre-existing medications.
Travel medical insurance to emergency medical expenses
Comprehensive coverage for pre-existing conditions/ailments.
Older traveler, Medicare international insurance
International student insurance for India students in USA
Health insurance usa for foreigners cost
Travel health insurance for frequent travelers
Covers trip cancellation and other emergencies
Group travel insurance for 5 or more travelers
Healthcare needs of new immigrants and green card holders

Travel insurance for NRIs traveling overseas

Embassy of India in United States

Indian Embassy in Washington

2107, Massachusetts Avenue, NW, 20008, Washington, USA



India Consulate in Texas

4300 Scotland Street, 77007, Houston, Texas, United States



Embassy of US in India

US Embassy, New Delhi

Shantipath, Chanakyapuri New Delhi - 110021


U.S. Consulate General Chennai

Gemini Circle Chennai 600 006


Resourceful tourist insurance USA information

Find the best travel insurance

Find out the best insurance for your budget and needs

Know more »

How does travel insurance work?

Claims process for expenses due to injury or sickness

Know more »

How to buy travel insurance?

Guide to buying the best international travel health insurance
Know more »

Travel insurance glossary

Commonly used international travel medical insurance terms
Know more »

Travel insurance for specific groups

Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
Know more »

Compare travel insurance plans

Compare the best travel insurance plan for your needs

Know more »

Travel insurance India to USA information

Travel medical insurance USA resources
International travel insurance resources for USA visa holders.

Explore »

Factors for travel insurance USA online
Factors for the best travel insurance to USA.

Explore »

Types of USA tourist insurance online
Different types of tourist insurance for USA.

Explore »

USA Vacation insurance claims procedure
Trip insurance claims process for getting medical care.

Explore »

Overseas travel insurance for US residents

Find the best US visitor insurance coverage - Blogs and Articles

Affordable travel insurance Online

Fixed benefit or scheduled benefit plans are the most affordable international travel insurance plans.

Click here to read more »

Best international travel insurance

International travel insurance plans covering pre-existing conditions which many older travelers look for.

Click here to read more »

Compare US travel insurance online

Compare quotes online for best travel insurance online, Fixed vs comprehensive travel insurance USA.

Click here to read more »

Advantages of buying travel insurance online

Compare and buy the best travel medical insurance plans online.

Click here to read more »

Buy cheap travel insurance

There are many cheap international insurance plans also known as visitor insurance plans.

Click here to read more »

How does travel insurance work?

Coinsurance & Deductible - How visitor travel insurance works.

Click here to read more »

Best International travel insurance

Travel Insurance - Pre-existing conditions coverage

Compare and buy best pre-existing plans

Know more »

International travel insurance resources

Compare and buy international travel insurance USA

Know more »

Travel insurance for India from the USA

India travel insurance from USA

India, officially known as the Republic of India, is a country located in South Asia. It is the seventh-largest country by land area and the second-most populous country in the world, with over 1.40 billion people. India shares its borders with Pakistan to the northwest, China and Nepal to the north, Bhutan to the northeast, and Bangladesh and Myanmar to the east. It is also surrounded by the Indian Ocean on the south. The capital city of India is New Delhi. India has two official languages at the national level: Hindi and English. However, there are several other recognized regional languages spoken across different states. India has one of the world's fastest-growing major economies. It is classified as a newly industrialized country and is known for its service sector, manufacturing industries, and agricultural sector. Information technology, pharmaceuticals, textiles, automotive, and tourism are among the prominent industries in the country.

There are many US travelers to India, a good number of whom have family of friends in the country. India’s healthcare infrastructure varies dramatically across the country.

Most Indian metropolitan cities like Delhi, Mumbai, Bangalore, Chennai boast of excellent healthcare infrastructure, the same is not true outside the big cities. Also, the healthcare in the good hospitals is not cheap. It is prudent to buy good travel insurance which can provide help in navigating through India’s healthcare infrastructure both in terms of identifying good healthcare as well as paying for it along with insuring trip costs and baggage loss or delay.

Travel insurance for India

What travel insurance do you need for visiting India?
Travel medical insurance to emergency medical expenses
Trip cancellation insurance for trip investment expenses
Older traveler, Medicare international insurance
Trip cancellation insurance for Cancel for any reason
Travel insurance with Quarantine Coverage
Expatriate heath insurance for living outside home country
Annual travel insurance, Yearly travel insurance
Insurance for five or more travelers on same itinerary

India Flag India - General Information

New Delhi

South Asia

Indian Rupee

Hindi, Kannada, English..

Around 1.40 billion

Best time to visit
October to March

Vacation spots
Delhi, Mumbai, Bengaluru, Agra, Jaipur, Goa, New Delhi, Manali, Shimla, Chennai, Kolkata, Rishikesh.

Popular tourist destinations in India

Testimonials - From Our Customers

"After rigorous searching for suitable student health insurances online, I stumbled upon the American visitor insurance..."
Know more


"We really thank American insurance team for providing great assistance in taking the insurance. We were successfully..."
Know more


"Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance co..."
Know more

Lori Fields

Travel medical insurance India, Trip Cancellation insurance for India links

Travel Insurance from USA to India FAQ

FAQ's about travel insurance for India.

Click here to read more »

Travel Insurance USA to India Blog

Blog about travel health insurance India.

Click here to read more »

Travel Insurance to India from USA Forum

Customer Queries for USA travelers to India.

Click here to read more »

Trip cancellation insurance for Non US residents

Travel insurance from India to Europe

Travel insurance for Indian residents traveling to Europe

Travel Insurance is mandatory while applying for the Schengen visa which allows you to travel to 29 countries in Europe. The Schengen state consulates have guidelines for the insurance which satisfy visa requirements. Coverage for emergency cases, hospital stays, evacuation is a minimum requirement that can put your mind at ease when you are in a foreign country with many unknown factors related to medical affairs of that country. We have several plans for people all over the world visiting European countries which satisfy Schengen visa requirements.
Nationalities who require Schengen visa
We offer several travel insurance plans that satisfy Schengen visa consulate requirements:
  • Medical coverage of at least 30,000 Euros travel insurance for schengen coverage (about $50,000 USD)
  • A repatriation benefit.
  • An emergency medical evacuation benefit.
Get free quotes  

Do you need Schengen visa insurance for Senior Citizens?

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers

Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!